While I believe everyone here agrees with over the top dispute letters, and set up for lawsuit letters, I still find this troubling:
Quote:
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I also need to know how you calculated the balance you say is due. When I last heard from someone about this debt, the balance was substantially lower. If you have added interest or fees to the debt, please provide me with an itemized breadown of what you’ve added and documentation showing that you are following the terms of my contract. I don’t want to have to pay more than I really owe.
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He readily admits knowledge of the debt. I'm not sure that is a great idea, at least in many circumstances.